河南省漯河市人民政府


漯河市人民政府关于印发漯河市个人住房置业贷款担保暂行办法的通知

漯政[2008]63号





各县区人民政府,经济开发区管委会,市人民政府各部门,直属及驻漯各单位:
　　《漯河市个人住房置业贷款担保暂行办法》已经市政府同意,现印发给你们,自发布之日起实施。




二○○八年六月十六日


漯河市个人住房置业贷款担保暂行办法


　　第一条　为深化城镇住房制度改革,加强中低收入群体住房保障,规范个人住房置业贷款担保行为,维护当事人的合法权益,根据有关法律、法规的规定,结合我市实际,制定本办法。
　　第二条　本办法所称个人住房置业贷款担保,是指住房置业担保机构为个人向银行等金融机构申请购买住房的贷款提供保证,并承担连带责任的保证行为。
　　第三条　市房产行政主管部门,是本市个人住房贷款担保的行政主管部门。漯河市住房置业担保中心(以下简称担保中心)依法取得法人资格,按照有关法律、法规和本办法规定,负责个人住房置业贷款担保业务工作。其他任何单位不得从事个人住房置业贷款担保业务。市住房置业担保中心可在个人住房贷款量大的县区设立分支机构。
　　第四条　个人住房置业贷款担保,应当遵循平等、自愿、公平、诚信的原则。
　　第五条　担保中心与银行等金融机构建立个人住房置业贷款担保合作业务的,双方应当签订合作协议,其主要内容包括:
　　(一)最高贷款额度、最长贷款期限;
　　(二)保证方式;
　　(三)保证范围;
　　(四)借款人应具备的条件;
　　(五)借款人办理贷款应提交的材料;
　　(六)违约责任;
　　(七)其他约定事项。
　　第六条　个人购买住宅商品房、经济适用住房和私有产权住房(包括房改住房),向银行等金融机构申请贷款时,可以向担保中心申请个人住房置业贷款担保,并按规定提交有关材料。
　　第七条　个人住房置业贷款担保申请人(以下简称贷款担保申请人)应当具备下列条件:
　　(一)具有完全民事行为能力;
　　(二)具有本市常住户口或有效居留身份证明;
　　(三)有稳定的收入,能按期偿还贷款本息,无不良信用行为;
　　(四)具有合法的购房合同;
　　(五)所购房屋未设定他项权利;
　　(六)已足额交纳购房首付款;
　　(七)法律、法规规定的其他条件。
　　第八条　担保中心收到贷款担保申请人的申请后,应当进行审查,对符合规定条件的,应当与贷款担保申请人签订个人购房贷款担保合同,明确所担保贷款的具体数额、保证期限,为贷款担保申请人提供担保证明。贷款担保申请人凭担保证明到与担保中心有合作协议的银行等金融机构办理贷款业务。
　　第九条　担保中心应当按规定评估贷款担保申请人的资信。对资信不良的申请人,担保中心可以拒绝提供担保。
　　第十条　个人申请住房置业贷款担保,应当按规定标准向担保中心支付担保服务费。收费标准由市价格主管部门会同市房产行政主管部门制定。
　　第十一条　个人住房置业贷款担保需办理房屋所有权证和房屋他项权利证的,可以委托担保中心办理。
　　第十二条　贷款担保申请人向担保中心申请贷款担保的,必须以本人或者第三人的合法房屋依法向担保中心进行抵押提供反担保。
　　第十三条　房屋抵押应当订立书面反担保合同。抵押当事人应当自抵押合同订立之日起30日内向房屋所在地的房产行政主管部门办理抵押登记。
　　第十四条　房屋抵押权与其所担保的债权同时存在。借款人依照借款合同还清全部贷款本息后,房屋抵押权终止。
　　第十五条　变更抵押合同须经抵押人和抵押权人同意,签订变更协议。未签订协议前,原合同继续有效。抵押合同发生变更或者抵押关系终止时,抵押当事人应当在变更或者终止之日起15日内,到原抵押登记机关办理变更或者注销登记。
　　第十六条　抵押人办理抵押房屋保险的,应当在抵押合同签订前办理保险手续,并在个人购房贷款担保合同订立后,将保险单正本移交抵押权人保管。
　　第十七条　房屋抵押期间,抵押权人为保险赔偿的第一受益人。抵押人不得以任何理由中断或撤销保险。抵押的房屋因抵押人的行为造成损失致使其价值不足作为履行债务担保时,抵押权人有权要求抵押人重新提供或者增加担保以弥补不足。
　　第十八条　有下列情况之一的,担保中心应当在30日内代为偿还尚未偿还的贷款本息:
　　(一)借款人连续3个月或累计6个月未按照合同约定偿还贷款本息的;
　　(二)借款人在还款期限内死亡、宣告失踪或者丧失民事行为能力后无继承人、受遗赠人或监护人的,或其继承人、受遗赠人、监护人拒绝履行借款合同的。
　　第十九条　借款人到期未按借款合同约定偿还贷款本息的,担保中心在代为偿还贷款本息后,有权依法向其追偿贷款本息。
　　借款人违反个人购房贷款担保合同、抵押合同规定的,担保中心有权要求其履行合同,并按合同约定要求其支付违约金。
　　借款人不偿还担保中心已代为偿还的贷款本息的,担保中心有权依法处置抵押的房地产。
　　第二十条　借款人用作抵押的房屋被依法处置后,需由担保中心提供过渡住房居住的,借款人应当与担保中心建立房屋租赁关系,租金根据市场价格议定。
　　第二十一条　财政、房产、审计等行政管理部门按照职责分工,负责对担保中心的担保资金运作实行监督和检查。担保中心应当确保担保运作资金安全和资产的保值增值。担保资金的管理,按有关规定执行。
　　第二十二条　担保中心工作人员玩忽职守、滥用职权,利用职务上的便利索取他人财物,或者非法收受他人财物为他人提供担保的,由有关主管部门给予行政处分;构成犯罪的,依法追究刑事责任。
　　第二十三条　本办法自发布之日起实施。




国务院


铺设海底电缆管道管理规定(附英文)

1989年2月11日，国务院

第一条 为维护中华人民共和国国家主权和权益，合理开发利用海洋，有秩序地铺设和保护海底电缆、管道，制定本规定。
第二条 本规定适用于在中华人民共和国内海、领海及大陆架上铺设海底电缆、管道以及为铺设所进行的路由调查、勘测及其他有关活动。
第三条 在中华人民共和国内海、领海及大陆架上铺设海底电缆、管道以及为铺设所进行的路由调查、勘测及其他有关活动的主管机关是中华人民共和国国家海洋局（以下简称主管机关）。
第四条 中国的企业、事业单位铺设海底电缆、管道，经其上级业务主管部门审批同意后，为铺设所进行的路由调查、勘测等活动，依照本规定执行。
外国的公司、企业和其他经济组织或者个人需要在中华人民共和国内海、领海铺设海底电缆、管道以及为铺设所进行的路由调查、勘测等活动，应当依照本规定报经主管机关批准；需要在中华人民共和国大陆架上进行上述活动的，应当事先通知主管机关，但其确定的海底电缆、管道路由，需经主管机关同意。
第五条 海底电缆、管道所有者（以下简称所有者），须在为铺设所进行的路由调查、勘测实施60天前，向主管机关提出书面申请。申请书应当包括以下内容：
（一）所有者的名称、国籍、住所；
（二）海底电缆、管道路由调查、勘测单位的名称、国籍、住所及主要负责人；
（三）海底电缆、管道路由调查、勘测的精确地理区域；
（四）海底电缆、管道路由调查、勘测的时间、内容、方法和设备，包括所用船舶的船名、国籍、吨位及其主要装备和性能。
主管机关应当自收到申请之日起30天内作出答复。
第六条 海底电缆、管道路由调查、勘测完成后，所有者应当在计划铺设施工60天前，将最后确定的海底电缆、管道路由报主管机关审批，并附具以下资料：
（一）海底电缆，管道的用途、使用材料及其特性；
（二）精确的海底电缆、管道路线图和位置表以及起止点、中继点（站）和总长度；
（三）铺设工程的施工单位、施工时间、施工计划、技术设备等；
（四）铺设海底管道工程对海洋资源和环境影响报告书；
（五）其他有关说明资料。
主管机关应当自收到申请之日起30天内作出答复。
第七条 铺设施工完毕后，所有者应当将海底电缆、管道的路线图、位置表等说明资料报送主管机关备案，并抄送港监机关。
在国家进行海洋开发利用、管理需要时，所有者有义务向主管机关进一步提供海底电缆、管道的准确资料。
第八条 海底电缆、管道的铺设和为铺设所进行的路由调查、勘测活动，不得在获准作业区域以外的海域作业，也不得在获准区域内进行未经批准的作业。
第九条 获准施工的海底电缆、管道在施工前或施工中如需变动，所有者应当及时向主管机关报告。如该项变动重大，主管机关可采取相应措施，直至责令其停止施工。
第十条 海底电缆、管道的维修、改造、拆除和废弃，所有者应当提前向主管机关报告。路由变动较大的改造，依照本规定重新办理有关手续。
外国船舶需要进入中国内海、领海进行海底电缆、管道的维修、改造、拆除活动时，除履行本条第一款规定的程序外，还应当依照中国法律的规定，报经中国有关机关批准。
铺设在中国大陆架上的海底电缆、管道遭受损害，需要紧急修理时，外国维修船可在向主管机关报告的同时进入现场作业，但不得妨害中国的主权权利和管辖权。
第十一条 海底电缆、管道的路由调查、勘测和铺设、维修、拆除等施工作业，不得妨害海上正常秩序。
海底电缆、管道的铺设或者拆除工程的遗留物，应当妥善处理，不得妨害海上正常秩序。
第十二条 铺设诲底电缆、管道及其他海上作业，需要移动已铺设的海底电缆、管道时，应当先与所有者协商，并经主管机关批准后方可施工。
第十三条 从事海上各种活动的作业者，必须保护已铺设的海底电缆、管道。造成损害的应当依法赔偿。
其他海洋开发利用和已铺设的海底电缆，管道的正常使用发生纠纷时，由主管机关调解解决。
第十四条 主管机关有权对海底电缆、管道的铺设、维修、改造、拆除、废弃以及为铺设所进行的路由调查、勘测活动进行监督和检查。对违反本规定的，主管机关可处以警告、罚款直至责令其停止海上作业。
前款所列处罚的具体办法，由主管机关商国务院有关主管部门制定。
第十五条 为海洋石油开发所铺设的超出石油开发区的海底电缆、管道的路由，应当在油（气）田总体开发方案审批前报主管机关，由主管机关商国家能源主管部门批准。
在海洋石油开发区内铺设平台间或者平台与单点系泊间的海底电缆、管道，所有者应当在为铺设所进行的路由调查、勘测和施工前，分别将本规定第五条、第六条规定提供的内容，报主管机关备案。
第十六条 铺设、维修、改造、拆除、废弃海底电缆、管道以及为铺设所进行的路由调查、勘测活动，本规定未作规定的，适用国家其他有关法律、法规的规定。
第十七条 中华人民共和国军用海底电缆、管道的铺设依照本规定执行。军队可以制定具体实施办法。
第十八条 主管机关应当收集海底地形、海上构筑物分布等方面的资料，为海底电缆、管道的铺设及其调查、勘测活动提供咨询服务。
第十九条 本规定中的“电缆”系指通信电缆及电力电缆；“管道”系指输水、输气、输油及输送其他物质的管状输送设施。
第二十条 本规定由中华人民共和国国家海洋局负责解释。
第二十一条 本规定自1989年3月1日起施行。

PROVISIONS GOVERNING THE LAYING OF SUBMARINE CABLES AND PIPELINES

Important Notice: (注意事项)
英文本源自中华人民共和国务院法制局编译, 中国法制出版社出版的《中华人民
共和国涉外法规汇编》(1991年7月版).
当发生歧意时, 应以法律法规颁布单位发布的中文原文为准.
This English document is coming from the "LAWS AND REGULATIONS OF THE
PEOPLE'S REPUBLIC OF CHINA GOVERNING FOREIGN-RELATED MATTERS" (1991.7)
which is compiled by the Brueau of Legislative Affairs of the State
Council of the People's Republic of China, and is published by the China
Legal System Publishing House.
In case of discrepancy, the original version in Chinese shall prevail.

Whole Document (法规全文)
PROVISIONS GOVERNING THE LAYING OF SUBMARINE CABLES AND PIPELINES
(Adopted by the 32nd Executive Meeting of the State Council on
January 20, 1989, promulgated by Decree No. 27 of the State Council of the
People's Republic of China on February 11, 1989, and effective as of March
1, 1989)
Article 1
These Provisions are formulated in order to safeguard the sovereignty and
the rights and interests of the People's Republic of China, to carry out
rational exploitation of seas and oceans, and to lay in an orderly way and
protect submarine cables and pipelines.
Article 2
These Provisions shall apply to the laying of submarine cables and
pipelines in such areas as inland seas, territorial seas and continental
shelves under the jurisdiction of the People's Republic of China, and also
to the investigations and survey of routes and other relevant activities
conducted for the aforesaid engineering projects.
Article 3
The competent authorities for the administration of the laying of
submarine cables and pipelines in such areas as the said inland seas,
territorial seas and continental shelves, and also for the investigations
and survey of routes and other relevant activities for the aforesaid
engineering projects, shall be the State Oceanographic Bureau of the
People's Republic of China (hereinafter referred to as "the competent
authorities").
Article 4
When China's enterprises or institutions plan to lay submarine cables and
pipelines, they shall file an application with their superior authorities
for examination and approval before they conduct investigations and survey
of routes and other relevant activities for the aforesaid engineering
projects in accordance with these Provisions. When foreign companies,
enterprises and other foreign economic organizations or individuals have
the necessity to lay submarine cables and pipelines, and also to conduct
investigations and survey of routes and other relevant activities for the
aforesaid engineering projects in the inland seas and territorial seas of
the People's Republic of China, they shall, in accordance with these
Provisions, apply to the competent authorities for approval; if they have
the necessity to carry out the said activities on the continental shelves
of the People's Republic of China, they shall notify the competent
authorities in advance, but the routes they have selected and decided on
for laying the cables and pipelines must have the consent of the competent
authorities.
Article 5
The owners of the submarine cables and pipelines (hereinafter referred to
as "the owners") shall file a written application with the competent
authorities 60 days before they start the investigations and survey of
routes for laying the submarine cables and pipelines. The written
application shall contain the following:
(1) the name, nationality, and residence of the owner;
(2) the name, nationality, and residence as well as the chief person-in-
charge of the unit which will conduct the investigations and survey of the
routes for laying the submarine cables and pipelines;
(3) the precise geographical areas in which the investigations and survey
are to be conducted for laying the submarine cables and pipelines;
(4) the time, the items, methods and equipment - including the ship to be
used: its name, nationality, tonnage, and major pieces of equipment and
their functions - for conducting the investigations and survey of routes
for laying the submarine cables and pipelines.
The competent authorities shall make a reply within 30 days as of the date
of receipt of the application.
Article 6
After the investigations and survey for laying the submarine cables and
pipelines have been completed, the owners shall submit a report,
delineating the final decision on the routes for laying the submarine
cables and pipelines 60 days before the laying project is started, to the
competent authorities for examination and approval, and the report shall
be submitted together with the following data:
(1) the purposes of laying the submarine cables and pipelines, the
materials to be used and their properties;
(2) the precious route chart and position chart of the submarine cables
and pipelines, their starting point and terminal point, their relay points
(stations) and their total length;
(3) the construction contractor, time and plan for construction, and
technical equipment;
(4) a report on the repercussions of the cable-and pipeline-laying
engineering project on marine resources and environment;
(5) other explanatory data.
The competent authorities shall make a reply within 30 days as of the date
of receipt of the application.
Article 7
After the completion of the engineering project, the owners shall submit
all the explanatory data, such as the route chart and position chart of
the submarine cables and pipelines, to the competent authorities for the
record, and send duplicates to the harbour superintendence organs.
When the State needs the relevant technical data for the exploitation of
marine resources or for carrying out administration, the owners have the
obligations to provide the competent authorities with further precise data
concerning the submarine cables and pipelines.
Article 8
The operations of laying submarine cables and pipelines and the
investigations and surveying activities for the cable-and pipeline-laying
engineering project shall not conducted beyond the approved sea areas; nor
shall operations and activities other than these approved be conducted in
the approved sea areas.
Article 9
In the event that changes or modifications in the approved operation plan
for laying the submarine cables and pipelines are required before the
operations start or during the operations, the owners shall report the
case to the competent authorities in good time. If the changes or
modifications are of sizable proportions, the competent authorities may
take appropriate measures accordingly, up to ordering the owners to cease
the operations.
Article 10
With respect to such operations as maintenance, alteration, dismantling,
or abandonment of the submarine cables and pipelines, the owners shall
submit a report on the said operations to the competent authorities in
advance. If a relatively big change is to be effected in the routes of the
submarine cables and pipelines, the owners shall go through the relevant
procedures of application once again.
When foreign vessels have the necessity to enter China's inland seas and
territorial seas to carry out activities in the maintenance, alteration,
or dismantling of submarine cables and pipelines, the owners shall, in
addition to going through the procedures as prescribed in the first
paragraph of this Article, submit an application to the administrative
department concerned in China for approval, in accordance with the
pertinent provisions of China's laws.
When the damaged submarine cables and pipelines laid on China's
continental shelves need emergency repairs, foreign maintenance vessels
may enter the site to start the emergency repairs simultaneously with a
report submitted to the competent authorities. However the said operations
shall not impair China's sovereign rights and jurisdiction.
Article 11
Operations such as the investigations and surveying activities for
identifying the routes for laying submarine cables and pipelines, the
laying, maintenance, and dismantling, must not hamper the normal order of
marine navigation and transportation. The bits and pieces left over from
the engineering project of laying submarine cables and pipelines and from
the dismantling project shall be disposed of carefully and must not hamper
the normal order of marine navigation and transportation.
Article 12
When the laying of submarine cables and pipelines and other marine
engineering operations require that those submarine cables and pipelines
already laid be moved, prior consultations must be conducted with the
owners of the aforesaid installations and an approval must be obtained
from the competent authorities before the said engineering project starts.
Article 13
Operators who are engaged in various activities at sea must protect the
submarine cables and pipelines that have already been laid. Those who have
caused damages to the said installations shall make compensations
according to law.
In the event that disputes arise over the exploitation of the seas and
oceans and the normal functioning of submarine cables and pipelines, the
disputes shall be mediated and handled by the competent authorities.
Article 14
The competent authorities shall have the power to supervise and inspect
the laying, maintenance, alteration, dismantling and abandonment of
submarine cables and pipelines as well as the relevant investigations and
surveying activities conducted for the laying of submarine cables and
pipelines. The competent authorities may impose on violators of these
Provisions such penalties as warning, fine, up to an order to cease their
operations at sea.
The specific measures for imposing the penalties as mentioned in the
preceding paragraph shall be formulated by the competent authorities in
conjunction with other competent authorities concerned under the State
Council.
Article 15
The plan for determining the routes for laying submarine cables and
pipelines beyond the petroleum exploitation zones in order to exploit
marine petroleum resources shall be submitted to the competent authorities
prior to the examination and approval of the overall plan for the
exploitation of oil (and gas) fields; and the competent authorities shall
give approval after consultation with the competent state authorities for
energy resources.
With respect to the laying of submarine cables and pipelines within the
marine petroleum development zones between the drilling platforms or
between drilling platforms and single berthing points, the owners shall,
before the start of the investigations and survey of routes for the laying
of submarine cables and pipelines and the start of cable-and pipeline-
laying operations, submit a report specifying the contents as provided in
Article 5 and Article 6 of these Provisions to the competent authorities
for the record.
Article 16
With respect to the operational activities such as laying, maintenance,
alteration, dismantling and abandonment of submarine cables and pipelines,
as well as the investigations and surveying activities conducted for
identifying the routes for laying the submarine cables and pipelines, in
case there are any aspects which are not covered in these Provisions, the
Provisions in other relevant State laws, decrees and regulations shall
apply.
Article 17
The laying of submarine cables and pipelines for military purposes in the
People's Republic of China shall be handled in accordance with these
Provisions. The armed forces may formulate specific rules for the
implementation of these Provisions.
Article 18
The competent authorities shall collect data concerning submarine
topography and the distribution of structures at sea in order to offer
consultancy services for laying of submarine cables and pipelines, and for
conducting relevant investigations and surveying activities.
Article 19
The term "cables", as used in these Provisions, refers to communications
cables and electric cables; the term "pipelines" refers to the pipe-shaped
conveying and transporting installations used for conveyance of water,
gas, oil and other substances.
Article 20
The right to interpret these Provisions resides in the State Oceanographic
Bureau of the People's Republic of China.
Article 21
These Provisions shall go into effect on March 1, 1989.